Planning for a wedding includes everything from wedding attire, catering, venue, and guest list, to booking hotels, a band, and photographer. With such carefully laid plans, it may be easy to overlook the potential necessity for wedding insurance.
Whether or not insurance will be necessary for your wedding may depend on how much you're planning to spend. For smaller, cheaper weddings, it may not be worth it. Especially if you're booking and paying for things with your credit card. Your credit card company may provide coverage for some of the money if things go wrong. Examine the fine print in your credit card information (you know, the pamphlets you file but don't usually really look at), or, call your credit card company and ask a representative for clarification. Your credit card companies are also really good contacts if you are having difficulties with vendors -- they can advise you on what to do. It's always best not to pay with cash, for your protection.
If you're getting married at your personal residence, your homeowner's insurance may cover some aspects of the wedding, but make sure to check with your insurance agent for details - just in case.
For bigger, fancier weddings, you may want to purchase wedding insurance, at least for the peace of mind. Be sure to shop around, not just for the best price, but also the best coverage for you. If you buy your policy early enough, it may even cover your deposits. There are different kinds of insurance, depending on your needs. For example,
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